Car accidents can be stressful and frustrating, especially when you are not at fault. If someone has hit your car, you may be wondering whose insurance you should call to report the incident. There are a few things to consider before making that call.
Firstly, it’s important to determine who is at fault for the accident. If the other driver is at fault, you can make a claim against their insurance. However, if you are at fault, you will need to make a claim against your own insurance.
If you’re not sure who is at fault, you should contact your own trusted vehicle repairer for advice. They will be able to provide guidance on what to do next, including whether you should make a claim against your own insurance or the other driver’s insurance or if there are any other alternative options.
If your not at fault and you claim against the at fault drivers insurance company, They can be tricky, manipulative and its very likely they will try persuade and push you to their network repairer to save costs, which is against the law. https://www.parliament.nsw.gov.au/bill/files/2435/First%20Print.pdf
If you want your vehicle repaired correctly and the process to go as smoothly as possible. just be aware you are entitled to the following when your not at fault and you claim against the other driver’s insurance:
- You get the choice of which repairer will repair your vehicle.
- The value of your vehicle will be assessed at its proper value.
- Your entitled to a free loan car.
- All expenses incurred will be covered by the at fault insurance company provider.
If you make a claim with the other driver’s insurance company, they will investigate the claim and determine who is at fault. If they accept liability, they will pay for the damage to your car.
If the other driver’s insurance company denies liability, you may be better off claiming through your insurance or you may need to seek legal advice to pursue the matter further if your not insured.
It’s important to note that making a claim against another driver’s insurance does not necessarily mean your premiums will go up. This will depend on your individual policy and the circumstances of the accident. When you are not at fault you also should not need to pay an excess.
In summary, if someone hits your car in, you should have a trusted repairer you can call. If the other driver is at fault, you can make a claim against their insurance, but if you are at fault, you will need to make a claim against your own insurance.
CHECK YOU HAVE CHOICE OF REPAIRER ON YOUR POLICY
CHECK YOUR VEHICLE IS INSURED FOR A VALUE YOUR HAPPY WITH
IF YOU HAVE BEEN INVOLVED IN ANY ACCIDENT CONTACT A REPUTABLE REPAIRER BEFORE ANY INSURANCE COMPANY!
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